Re: Take the FICO Fitness Challenge for 2012!

I've been a member of myfico.com since 2009. I've managed credit well, but have too much. I did get caught in the new credit guidelines that means when you pay a credit card off, they cancel it and then your utilization goes up instead of down.

Anyone know why different sources have different scores for all the agencies?

Re: Take the FICO Fitness Challenge for 2012!

I have a son with special needs. It seems like I just get going with getting my credit score up and something major happens with him and blows me out of the water. I have a low credit score of 564 and hope to have it over 620 by the end of the year if possible. If someone has suggestions of what I can do to proactively raising my score please post it.

Re: Take the FICO Fitness Challenge for 2012!

I have a son with special needs. It seems like I just get going with getting my credit score up and something major happens with him and blows me out of the water. I have a low credit score of 564 and hope to have it over 620 by the end of the year if possible. If someone has suggestions of what I can do to proactively raising my score please post it.

Thanks,

ValFran

Hello and welcome to myFICO.

I will suggest that you visit the Rebuilding Your Credit board for some great advice from folks (like me!) who have been in a bad place financially and who are on different parts of their recovery road.

Re: Take the FICO Fitness Challenge for 2012!

I've been monitoring my credit for quite some time and it's been wonderful to see it rise out of the "everything's in collection" phase of my younger years. I just got married 3 months ago and chose to use more credit than usual to get some of the things I wanted for the ceremony and reception, but I'm paying it back as quickly as I can. I'm in a good place right now; all my bills are paid with money to spare. Here's to another good year!

Re: Take the FICO Fitness Challenge for 2012!

I am retired and living on a pension and Social Security. I never prepared for retirement and have literally no savings or investments. I am under water on my mortgage, although by only a couple thousand dollars.

I have never been late on a bill and have a Fico score just short of 800. Unfortunately, I believe I am about to lose my pension to a Chapter 11 filing of my former employer. I am 67 and in no condition to go back to work...even if here were jobs out there (AND I weren't a senior citizen!). This is not a very rosy picture but I'll survive, I'm sure.

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